Regional Management Corp. (NYSE:RM) Stock Price & Quote Analysis

RM Stock Overview

RM fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	1/6
Past Performance	2/6
Financial Health	3/6
Dividends	3/6

Rewards

Trading at 26.3% below our estimate of its fair value

Revenue is forecast to grow 10.4% per year

Risk Analysis

Earnings are forecast to decline by an average of 0.06% per year for the next 3 years

Debt is not well covered by operating cash flow

Unstable dividend track record

Profit margins (14.4%) are lower than last year (20.8%)

My Notes

New

Notes are coming soon

Regional Management Corp. Competitors

OppFi

NYSE:OPFI

US$250.8m

X Financial

NYSE:XYF

US$183.2m

Medallion Financial

NasdaqGS:MFIN

US$185.5m

Consumer Portfolio Services

NasdaqGM:CPSS

US$197.2m

Price History & Performance

Summary of all time highs, changes and price drops for Regional Management
Historical stock prices
Current Share Price	US$33.67
52 Week High	US$56.95
52 Week Low	US$26.52
Beta	1.41
1 Month Change	19.91%
3 Month Change	14.21%
1 Year Change	-34.44%
3 Year Change	30.76%
5 Year Change	20.25%
Change since IPO	104.68%

Regional Management expands operations in Idaho

Dec 21

Regional Management Corp.: Robust Sales, Strong Margins, Stable Loan Book

Nov 03

Recent updates

Independent Director Alvaro de Molina Just Sold A Bunch Of Shares In Regional Management Corp. (NYSE:RM)

Feb 19

Regional Management Corp. (NYSE:RM) Looks Like A Good Stock, And It's Going Ex-Dividend Soon

Feb 18

Is Regional Management Corp. (NYSE:RM) Popular Amongst Insiders?

Feb 04

The Regional Management (NYSE:RM) Share Price Has Gained 82% And Shareholders Are Hoping For More

Dec 23

Shareholder Returns

	RM	US Consumer Finance	US Market
7D	3.2%	7.4%	0.2%
1Y	-34.4%	-17.1%	-13.6%

Return vs Industry: RM underperformed the US Consumer Finance industry which returned -11.6% over the past year.

Return vs Market: RM underperformed the US Market which returned -9.2% over the past year.

Price Volatility

Is RM's price volatile compared to industry and market?
RM volatility
RM Average Weekly Movement	6.3%
Consumer Finance Industry Average Movement	8.4%
Market Average Movement	6.9%
10% most volatile stocks in US Market	17.3%
10% least volatile stocks in US Market	2.8%

Stable Share Price: RM is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 6% a week.

Volatility Over Time: RM's weekly volatility (6%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1987	1,691	Rob Beck	https://www.regionalmanagement.com

Regional Management Corp., a diversified consumer finance company, provides various installment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders in the United States. It offers small and large installment loans; and retail loans to finance the purchase of furniture, appliances, and other retail products. The company also provides insurance products, including credit life, credit accident and health, credit property, vehicle single interest, and credit involuntary unemployment insurance; collateral protection insurance; and property insurance, as well as reinsurance products.

Regional Management Corp. Fundamentals Summary

How do Regional Management's earnings and revenue compare to its market cap?
RM fundamental statistics
Market Cap	US$322.75m
Earnings (TTM)	US$69.61m
Revenue (TTM)	US$482.71m

4.6x

P/E Ratio

0.7x

P/S Ratio

Is RM overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report
RM income statement (TTM)
Revenue	US$482.71m
Cost of Revenue	US$139.34m
Gross Profit	US$343.38m
Other Expenses	US$273.77m
Earnings	US$69.61m

Last Reported Earnings

Sep 30, 2022

Next Earnings Date

Feb 08, 2023

Earnings per share (EPS)	7.26
Gross Margin	71.13%
Net Profit Margin	14.42%
Debt/Equity Ratio	399.2%

How did RM perform over the long term?

See historical performance and comparison

Dividends

3.6%

Current Dividend Yield

15%

Payout Ratio

RM Stock Overview

Rewards

Risk Analysis

Regional Management Corp. Competitors

NYSE:OPFI

US$250.8m

NYSE:XYF

US$183.2m

NasdaqGS:MFIN

US$185.5m

NasdaqGM:CPSS

US$197.2m

Price History & Performance

Recent News & Updates

Price target decreased to US$34.40

Regional Management Corp. to Report Q4, 2022 Results on Feb 08, 2023

Regional Management expands operations in Idaho

Upcoming dividend of US$0.30 per share

Regional Management Corp.: Robust Sales, Strong Margins, Stable Loan Book

Third quarter 2022 earnings: EPS and revenues exceed analyst expectations

Recent updates

Price target decreased to US$34.40

Regional Management Corp. to Report Q4, 2022 Results on Feb 08, 2023

Upcoming dividend of US$0.30 per share

Third quarter 2022 earnings: EPS and revenues exceed analyst expectations

Regional Management Corp. Declares Dividend for the Fourth Quarter of 2022, Payable on December 14, 2022

Investor sentiment improved over the past week

Here's Why Regional Management (NYSE:RM) Has Caught The Eye Of Investors

Price target decreased to US$43.20

Regional Management Corp. to Report Q3, 2022 Results on Nov 01, 2022

Independent Director recently bought US$509k worth of stock

Upcoming dividend of US$0.30 per share

Second quarter 2022 earnings: EPS and revenues exceed analyst expectations

Regional Management Corp. Declares Dividend for the Third Quarter of 2022, Payable on September 15, 2022

Price target decreased to US$53.60

Regional Management Corp. to Report Q2, 2022 Results on Aug 03, 2022

Investor sentiment deteriorated over the past week

Independent Director recently sold US$76k worth of stock

Upcoming dividend of US$0.30 per share

Should You Be Adding Regional Management (NYSE:RM) To Your Watchlist Today?

First quarter 2022 earnings: EPS and revenues exceed analyst expectations

Regional Management Corp., Annual General Meeting, May 19, 2022

Regional Management Corp. to Report Q1, 2022 Results on May 04, 2022

President notifies of intention to sell stock

Director recently sold US$599k worth of stock

Director exercised options and sold US$1.0m worth of stock

Upcoming dividend of US$0.30 per share

Regional Management's (NYSE:RM) Dividend Will Be Increased To US$0.30

Full year 2021 earnings: EPS exceeds analyst expectations

Full year 2021 earnings: EPS exceeds analyst expectations

Regional Management Corp. Declares Dividend for the First Quarter of 2022, Payable on March 16, 2022

Now 21% undervalued after recent price drop

President notifies of intention to sell stock

Upcoming dividend of US$0.25 per share

Insider exercised options and sold US$1.2m worth of stock

Director recently sold US$585k worth of stock

Third quarter 2021 earnings released: EPS US$2.25 (vs US$1.02 in 3Q 2020)

Price target increased to US$60.20

Insider recently sold US$172k worth of stock

Director recently sold US$292k worth of stock

Director exercised options and sold US$1.2m worth of stock

Upcoming dividend of US$0.25 per share

Independent Director exercised options and sold US$67k worth of stock

Consensus EPS estimates increase to US$7.39

Price target increased to US$54.33

Second quarter 2021 earnings released: EPS US$1.98 (vs US$0.68 in 2Q 2020)

Price target increased to US$50.33

Investor sentiment improved over the past week

President notifies of intention to sell stock

Independent Director recently sold US$123k worth of stock

Independent Director has left the company

Upcoming dividend of US$0.25 per share

Director recently sold US$220k worth of stock

Price target increased to US$43.83

Does Regional Management (NYSE:RM) Deserve A Spot On Your Watchlist?

First quarter 2021 earnings released: EPS US$2.42 (vs US$0.58 loss in 1Q 2020)

Regional Management Corp. (NYSE:RM) announces an Equity Buyback for $30 million worth of its shares.

Consensus EPS estimates increase to US$5.69

Price target increased to US$39.17

Here's How We Evaluate Regional Management Corp.'s (NYSE:RM) Dividend